Apply online for a mortgage today

​Mortgage and Home Equity Loan Application Center

Non-members and members can use this online application to apply for an in-house, secondary market mortgage loan, or a home equity loan.​

Completing this application is easy and takes as little as 5 minutes:

  • Choose the lender who you have been in contact with or would like to work with.
  • ​Create a user name and password.
  • Fill out a quick or simple application. Save your progress and return to check on the status of an existing loan application at any time.

If you have a question during the application process, please call 715-627-4336 or 800-398-2667, extension 1130.

​​Angela Retzlaff, Crandon
Angela has been with CoVantage Credit Union since 2002 and has worked as a Mortgage Loan Originator since 2014. She believes in the ability for everyone to be homeowners and will continue to work with members on credit approval and making the transaction as smooth and easy as possible. She prides herself with being able to utilize grant programs to assist on her purchase transactions and she uses every program in her toolkit. She is an active member of the Northwood’s Association of Realtors and a volunteer for fundraising events for the Laona Fire Department. 

​​Ashley Mutter, Shawano & Stevens Point
Ashley has been at CoVantage Credit Union since 2014 and as a Mortgage Loan Originator since 2017. She worked in the financial industry since 2004. Ashley handles any type of mortgage transaction; however, she specializes in consolidation loans and educating members on trying to remain financially strong.  ​

​​Cassandra Counts, Menominee
Cassandra has been at CoVantage Credit Union since 2017 when CoVantage Credit Union merged with Menominee Area Credit Union and as a Mortgage Loan Originator since 2018. She has worked in management, financial, and housing since 2012. She looks forward to helping the community with a wide array of competitive mortgage products to suit their needs. Cassandra works hard to find the best mortgage outcome for her borrowers, and enjoys sharing information to help them reach their homeownership goals. Cassandra is active in the Menominee/Marinette Communities and the local Board of Realtors.​

​​Chad Skinner, Iron River & Crystal Falls
Chad has been providing excellent member service with CoVantage Credit Union since 2001 and has worked in mortgage since 2005. He understands that buying a new home is a big decision and probably the biggest financial decision you will ever make. He knows from years of experience that you want someone to help you make the process as easy and stress-free as possible. His dedication and high level of service provides everyone the time they deserve whether you are purchasing a new home, building or refinancing.

​​Chris Stowell, Weston
Chris started at CoVantage Credit Union in 2012 as Mortgage Loan Originator and has been a licensed Mortgage Loan Officer since 2009 and has been in the consumer and mortgage lending field for over 20 years of her career. She utilizes products and services to fit member’s needs for purchases, refinances and construction loans and loves working with CoVantage’s in-house programs. Chris is actively involved with the local community and gives back to it by participating in Junior Achievement.
​​Gail Kock, Rhinelander
Gail has worked for CoVantage Credit Union since 2010 and has worked in finance since 1997​. She became a Mortgage Loan Originator in 2014. Gail enjoys working with the members to achieve their dream of home ownership and loves the fact that CoVantage offers so many programs for purchases and refinances. Her way of putting herself into the members shoes and her compassion for members has delivered high service levels.

​​Holly Jahn, Rib Mountain
Holly has worked for CoVantage Credit Union since 2014 and as a Mortgage Loan Originator since 2016. She has worked in finance since 2001. Holly specializes in all products and services that CoVantage Credit Union has to offer for purchases, refinances and construction loans. She is active in the Wausau and Antigo communities.
​​Michele Brettingen, Antigo
Michele has been with CoVantage Credit Union since 1997, working in the mortgage industry since 2007. Michele has extensive knowledge of all mortgage products including WHEDA, USDA, Fannie Mae and in-house products. She is always willing to “think outside of the box” to find ways to consolidate debts, lower your mortgage interest rates, and lower your monthly payments to fit your individual needs.  ​

​​Pamela Jansen, Elcho & Antigo
Pam has been at CoVantage Credit Union and as a Mortgage Loan Originator since 2015 and has worked in a financial institution since 1992, and has worked in mortgage since 2008. She specializes in conventional mortgages for both purchases and refinances.  She is knowledgeable in low down payment programs, especially the WHEDA program for purchases. Pam is active in the Elcho and Pelican Lake Communities. 

​​Samantha Skarlupka, Wausau
Samantha has been at CoVantage Credit Union since 2010 and as a Mortgage Loan Originator since 2015. Since Samantha has been in the Mortgage Loan Dept., she has learned and worked with several different programs such as WHEDA, Fannie Mae, adjustable rate mortgages, land loans and grant programs. She has an ear for what our members need, and suggests a program that best suits their financial situation. Samantha actively participates in community events in the Wausau area and is an active board member for The Wisconsin Valley Chapter for Credit Unions. Samantha is devoted to her work, and goes above and beyond set expectations.​

​Related Pages


*97% LTV applies to any HomeReady mortgage serviced at CoVantage (15-,20-, or 30-year). Only eligible borrowers who meet CoVantage credit requirements may qualify for financ​​ing.​​


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